Call reports 2006
FIRST BANK OF CHARLESTON, INC. — 2006
What FIRST BANK OF CHARLESTON, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 94,901,000 | 101,921,000 | 104,690,000 | 111,357,000 |
| Total loans | 78,425,000 | 85,094,000 | 88,466,000 | 91,241,000 |
| Allowance for loan losses | 799,000 | 887,000 | 858,000 | 974,000 |
| Securities available for sale | 7,877,000 | 7,393,000 | 9,943,000 | 11,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,841,000 | 90,767,000 | 92,650,000 | 99,998,000 |
| Interest-bearing deposits | 78,812,000 | 84,486,000 | 83,032,000 | 90,837,000 |
| Noninterest-bearing deposits | 7,029,000 | 6,281,000 | 9,618,000 | 9,161,000 |
| Equity capital | 8,550,000 | 8,714,000 | 8,920,000 | 9,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,427,000 | 3,022,000 | 4,760,000 | 6,641,000 |
| Interest expense | 665,000 | 1,453,000 | 2,364,000 | 3,360,000 |
| Net interest income | 762,000 | 1,569,000 | 2,396,000 | 3,281,000 |
| Noninterest income | 78,000 | 173,000 | 259,000 | 345,000 |
| Noninterest expense | 496,000 | 1,006,000 | 1,522,000 | 2,062,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 390,000 |
| Pretax income | 254,000 | 556,000 | 863,000 | 1,174,000 |
| Income tax | 102,000 | 247,000 | 378,000 | 520,000 |
| Net income | 152,000 | 309,000 | 485,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,673,000 | 8,821,000 | 8,954,000 | 9,124,000 |
| Total capital | 9,472,000 | 9,709,000 | 9,812,000 | 10,098,000 |
| Risk-weighted assets | 72,423,000 | 76,628,000 | 80,089,000 | 80,971,000 |
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